The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM 023135106 BBG001S5PQL7 943,400 5,230 SH   SOLE   0 0 5,230
APPLE INC COM 037833100 BBG001S5N8V8 1,847,236 10,772 SH   SOLE   0 0 10,772
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,219,650 5,278 SH   SOLE   0 0 5,278
GLOBAL X FDS GLBL X MLP ETF 37954Y343 BBG002WKD6P0 201,428 4,177 SH   SOLE   0 0 4,177
INTEL CORP COM 458140100 BBG001S5SF65 256,723 5,812 SH   SOLE   0 0 5,812
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 488,568 9,468 SH   SOLE   0 0 9,468
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,189,843 16,031 SH   SOLE   0 0 16,031
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 492,273 8,105 SH   SOLE   1 0 8,104
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 14,518,535 125,920 SH   SOLE   0 0 125,920
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 6,733,604 57,449 SH   SOLE   72 0 57,377
ISHARES TR CORE S&P US VLU 464287663 BBG001SFQL80 6,958,793 76,944 SH   SOLE   0 0 76,944
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 17,370,634 33,041 SH   SOLE   15 0 33,026
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 1,882,786 19,224 SH   SOLE   50 0 19,174
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 3,966,710 11,769 SH   SOLE   0 0 11,769
ISHARES TR RUS 1000 VAL ETF 464287598 BBG001S562P7 231,860 1,295 SH   SOLE   0 0 1,295
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 2,811,254 10,381 SH   SOLE   0 0 10,381
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 3,118,512 19,637 SH   SOLE   0 0 19,637
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 3,810,539 33,385 SH   SOLE   22 0 33,363
ISHARES TR RUS MDCP VAL ETF 464287473 BBG001S561V2 404,295 3,226 SH   SOLE   0 0 3,226
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 593,425 7,057 SH   SOLE   0 0 7,057
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 314,175 3,443 SH   SOLE   0 0 3,443
ISHARES TR S&P SML 600 GWT 464287887 BBG001SFQL44 1,140,758 8,726 SH   SOLE   0 0 8,726
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,157,198 2,751 SH   SOLE   0 0 2,751
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 301,738 334 SH   SOLE   0 0 334
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 423,952 10,865 SH   SOLE   0 0 10,865
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,930,458 31,106 SH   SOLE   69 0 31,037
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 215,906 2,651 SH   SOLE   0 0 2,651
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 3,220,152 65,397 SH   SOLE   52 0 65,345
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 BBG001SRXRJ1 1,715,679 47,870 SH   SOLE   0 0 47,870
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 299,022 8,263 SH   SOLE   0 0 8,263
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 868,806 1,661 SH   SOLE   0 0 1,661
SPDR SER TR PORTFOLI S&P1500 78464A805 BBG001SG6843 1,308,958 20,405 SH   SOLE   0 0 20,405
SPDR SER TR PORTFOLIO S&P400 78464A847 BBG001SPT9T9 1,095,367 20,536 SH   SOLE   1 0 20,535
SPDR SER TR PORTFOLIO S&P500 78464A854 BBG001SPTB87 514,714 8,365 SH   SOLE   0 0 8,365
SPDR SER TR PRTFLO S&P500 GW 78464A409 BBG001SD7RB9 836,129 11,430 SH   SOLE   0 0 11,430
SPDR SER TR PRTFLO S&P500 VL 78464A508 BBG001SG4284 5,994,467 119,650 SH   SOLE   80 0 119,570
SPDR SER TR S&P 400 MDCP VAL 78464A839 BBG001SPTBM1 1,314,974 17,302 SH   SOLE   0 0 17,302
SPDR SER TR S&P 600 SMCP GRW 78464A201 BBG001SG4275 710,375 8,144 SH   SOLE   0 0 8,144
SPDR SER TR S&P 600 SMCP VAL 78464A300 BBG001SG3JV2 2,350,605 28,331 SH   SOLE   31 0 28,300
STARBUCKS CORP COM 855244109 BBG001S72KH6 359,568 3,934 SH   SOLE   0 0 3,934
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 295,817 2,174 SH   SOLE   0 0 2,174
TESLA INC COM 88160R101 BBG001SQKGD7 237,492 1,351 SH   SOLE   0 0 1,351
TEXAS INSTRS INC COM 882508104 BBG001S5WYZ7 718,815 4,126 SH   SOLE   0 0 4,126
UNION PAC CORP COM 907818108 BBG001S5X2M0 445,576 1,812 SH   SOLE   0 0 1,812
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 43,707,765 126,984 SH   SOLE   44 0 126,940
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 412,511 1,721 SH   SOLE   0 0 1,721
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 1,102,656 4,676 SH   SOLE   0 0 4,676
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 BBG001SRN7W1 5,084,545 32,612 SH   SOLE   15 0 32,597
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 1,988,083 7,957 SH   SOLE   0 0 7,957
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,667,823 8,692 SH   SOLE   0 0 8,692
VANGUARD INDEX FDS SML CP GRW ETF 922908595 BBG001SHTTW9 249,800 958 SH   SOLE   0 0 958
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 5,770,799 22,204 SH   SOLE   0 0 22,204
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 7,400,861 45,443 SH   SOLE   0 0 45,443
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 422,888 10,124 SH   SOLE   0 0 10,124
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 412,060 8,143 SH   SOLE   0 0 8,143
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 348,902 5,959 SH   SOLE   0 0 5,959
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,262,330 25,161 SH   SOLE   0 0 25,161
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 283,552 541 SH   SOLE   0 0 541